ProdukHukum BankIndonesia

Attachment 1

NO BANK TOTAL ASSET *) TIER I CAPITAL

(Rp. Million) (Rp. Million)

Attachment 2

DEFINITION AND NATION DISCRETION

I. Credit Risk

a. Definition of portfolio classification and risk weighted

No Category Description Current Basel II Discretion Regulation

1 Corporate Exposure from corporate debitur with 100% Based on rating -including State total credit of > Rp. 5 Billion

Owned Enterprise

2 Sovereign Exposure from government and central bank 0% Based on rating Scenario 1: 100% Scenario 2: 50% 3 Bank Exposure from banks 20% Based on rating

-a. Short term, original maturity = 3 months b. Long term, original maturity < 3 months 4 Retail Exposures that meet retail criteria in Basel II

a.Residential mortgages 50% 35% -b. Non residential mortgages 100% 75%

5 SME Exposures that do not meet retail criteria 100% in Basel II, and are classified as:

a. Retail, total credit = Rp. 500 million 75% b. Corporate, if total credit > 500 million Based on rating 6 Past Due (> 90 days) a. Residential Mortgages

? Special Allowance < 20% of total exposures 100% 100%

? Special Allowance = 20% of total exposures 100% 50%

-b. Non residential Mortgages 75%

? Special Allowance < 20% of total exposures 100% 150% ? Special Allowance 20%-50% 100% 100% ? Special Allowance = 50% 100% 50%

Risk Weighted

b. Accredited rating agencies:

Standard & Poor, Moodys, Fitch, PT.Pefindo, and PT. Kasnic

II. Operational Risk

The definition of gross income to calculate capital adequacy is profit/loss before tax

that is adjusted to the following criteria:

1.

Includes all allowance/depreciation/amortization

2.

Includes operational and services expenditure

3.

Excludes profit/loss recognition from securities capital gain in portfolio